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Posted: Thu Dec 13, 2007 4:23 pm
by honeybunny
What do I say when my first default happens on 3rd Jan with lots to follow. I hope to have spoken to a IVA pro by then but with christmas I do not expect anything to get sorted by then.

Posted: Thu Dec 13, 2007 4:27 pm
by debbiw
Honeybunny, why don't you speak to Melanie Giles who posts on this forum. She has a fantastic reputation as a IP. I'm sure she could advise you on what is the best route for you to take, and you will feel so much better having taken the first steps in dealing with your problem. Why not do it before xmas, and then you can enjoy yourself a little.

Posted: Thu Dec 13, 2007 4:31 pm
by honeybunny
Good idea Debbiw. I am going to sit down & talk to hubby again & work out the best way forward

Posted: Thu Dec 13, 2007 4:31 pm
by kieranandmegansmum
well ive recieved a statuory demand for 2400 and still waiting for my proposal

S WARD

Posted: Thu Dec 13, 2007 5:55 pm
by MelanieGiles
Hi Honeybunny

An IVA can be put forward within 24 hours if necessary - so don't be put off by the Christmas period - but it will depend upon you forwarding the information to the person you choose to represent you so make sure you have all of your creditor statements and wage-slips easily to hand.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

Posted: Thu Dec 13, 2007 6:05 pm
by honeybunny
How many months payslips are needed & does the employer have to know?

Posted: Thu Dec 13, 2007 8:22 pm
by cat 1
Ours needed 3 months pay slips and bank statements. I think certain finace related jobs might be affected, but employers don't seem to need to know. Nor do friends, nieghbours, family. The informtion goes on the insolvency register.That was a shock seeing name and address, star sign and bra size (kidding!) up there, but I guess I have only looked recently so people who are looking are only there because of thier situation? Cat 1

Posted: Thu Dec 13, 2007 9:54 pm
by MelanieGiles
I ask for at least three months payslips and bank statements. It is very unlikely that you would need to advise your employer of an IVA.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

Posted: Sun Dec 16, 2007 6:38 pm
by honeybunny
melanie

Once an IVA has been proposed how long does it usually take to get it approved or amended?

Posted: Sun Dec 16, 2007 6:50 pm
by Adam Davies
Once it is actually proposed,i;e sent out to each of your creditors they will receive a minimum of sixteen days notice,probably upto 28 days for the creditors meeting.
Regards

Andy Davie
IVA.co.uk Spokesperson and Website Manager

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp